Best Year-on-Year Growth
February 2025
AFRICA’S GUARANTEE & BOND SPECIALISTS SINCE 2005
Behind every project.
The Guarantee that makes it possible.
20+
Years in operation
A-Rated
Claim-paying ability
FSP 47996
Licensed & regulated
Wide reach
Sub-Saharan reach
For over two decades, PCBS has structured specialised guarantee and bond facilities for contractors, brokers and businesses across South Africa and the rest of Sub-Saharan Africa – underwritten to A-rated standards, with one of the lowest claim ratios in the market.
WHO WE ARE
Started with a gap in the market. Built into a trusted name.
In 2005, our founder, Lukas Marquart, identified that only banks and two other businesses offered specialist construction guarantee services in South Africa. That gap became our purpose. Over two decades, PCBS has grown into a trusted provider of guarantees and bonds across construction, trade, fuel, fiduciary and logistics sectors.
What distinguishes us is how we work. Our team travels across cities and provinces to meet clients in person, build lasting relationships and develop a real understanding of each business’s risk profile. That’s what allows us to craft guarantee and surety solutions that precisely match what you need.
Operating from Johannesburg as an Authorised Underwriting Manager for Bryte Insurance, we bring global financial strength and local expertise to every facility we structure.
We serve clients ranging from small businesses to multinational corporations – with a reputation built on fast turnarounds and exceptional service.
Licenced Financial Services Provider
FSP 47996 – regulated by the Financial Sector Conduct Authority (FSCA) of South Africa
Authorised Underwriting Manager
Operating under mandate from Bryte Insurance, part of Fairfax Financial Holdings, Canada
A-rated reinsurance backing
Our reinsurers provide global expertise, financial strength and an A-rated claim-paying ability. Your guarantee is secure
Among the lowest claim ratios in the market
Recognised by Bryte Insurance for Best Year-on-Year Growth (3rd place, 2025) and a track record earned through disciplined underwriting
WHAT WE OFFER
Guarantee & bond solutions across six specialist areas.
Every facility we provide is structured around your specific contractual, regulatory and financial requirements.
Construction Guarantees
Facilitate project success in the construction and engineering industry
Customs Bonds
Ensure payment of customs fees when goods are imported and exported
Fuel Guarantees
Secure companies supplying fuel on credit to retailers and wholesalers
Court Bonds
Guarantee that fiduciary duties are performed legally and estates are managed responsibly
Alternative Risk Transfer Solutions
Offer flexible alternatives to traditional insurance options
WHY PCBS
The difference that matters when a guarantee is called.
Any financial services provider can issue a guarantee. What sets PCBS apart is the rigour behind each one – and what you experience before, during and after.
In 2025, PCBS celebrated 20 years as one of Africa’s leading guarantee and bond specialists – recognised by Bryte Insurance for Best Year-on-Year Growth and counted among the market’s lowest claim-ratio providers
1
We come to you
We meet clients face to face. We understand your business, contracts and risk profile before we structure a single facility.
2
Fast, tailored turnaround
Our flat organisational structure means decisions aren’t delayed by unnecessary layers. Facilities are designed around your specific requirements and issued without the back-and-forth you might find elsewhere.
3
Low claim ratios
Two decades of disciplined underwriting have produced a claim ratio that stands among the lowest in South Africa – evidence that our risk assessments are thorough, consistent and reliable.
Industries we serve
We work with businesses in a broad range of industries where guarantee and bond facilities are either legally required or commercially essential to winning work and managing risk.
What it’s like working with us
After more than 20 years, our reputation is built on relationships as much as on results.
The team consistently brings a proactive, solutions-driven approach that sets PCBS apart from other UMAs. The responsiveness and professionalism in supporting brokers like us make a real difference in ensuring we provide the best service to our mutual clients. We particularly value the collaborative spirit and transparency in our interactions. One standout example was during a particularly complex guarantee facility renewal process last year, where the PCBS team went above and beyond to help us structure a solution that met the client’s needs.
Munashe Sibhensana
Edge Risk Partners
PCBS is one of our most trusted partners. They consistently offer highly competitive proposals and bring innovative solutions tailored to our clients’ needs. Beyond their exceptional service, we’ve built a strong relationship with their team – who truly feel like an extension of our own. The support and professionalism we’ve experienced have been outstanding, and we look forward to continuing this supportive partnership for many years to come.
Vogan Von Staden
Consult by Momentum
PCBS has been an absolute pleasure to work with. I truly appreciate the personal touch I receive from my dedicated underwriter – he is always available to assist. I will continue working with PCBS, primarily because of the outstanding service. The process, from quotation to the issuance of a guarantee, is consistently seamless.
Tapera Matema
Hallmark Risk & Financial Services
We’ve worked with PCBS on several guarantees, across a national client base, and have found the team consistently responsive and professional. Their approach to managing collateral is distinctive and has added value to our dealings over a number of years. Rates have generally been competitive, contributing positively to the overall experience.
James Deary
Guarantee & Insurance Solutions
We’ve been a proud partner of PCBS since 2011. Over the years, we’ve consistently experienced outstanding service – whether it’s getting feedback, assistance or simply reaching someone, PCBS has always been responsive and reliable. The team is friendly, vibrant and engaging, and every interaction leaves us feeling positive and supported. What truly sets PCBS apart from other UMAs is their personal touch and unwavering commitment to their partners. They are one of our most trusted and important guarantors.
Neels Van Der Wath
Raubex – RG Brokers
We’ve thoroughly enjoyed working with PCBS over the years. They stand out as a proactive, responsive and solutions-driven underwriting manager that truly understands the needs of brokers and their clients. What differentiates PCBS is their willingness to engage on more complex or non-standard risks, combined with a consistent ability to deliver practical and commercially sound solutions. Their turnaround times, accessibility and clear communication make them a trusted partner in an often–demanding environment. PCBS continues to add value through their professionalism, technical expertise and collaborative approach. We value the relationship and look forward to many more successful opportunities together.
Deon du Preez
Phoenix Insurance Brokers North (PIBN)
Our relationship with PCBS goes back many years, and throughout this time, our experience as a partner has been consistently positive. What stands out most is their professionalism, responsiveness and willingness to go the extra mile to find solutions for our clients. The level of communication and support we receive make a real difference in delivering on our commitments. What sets PCBS apart from other UMAs is their collaborative approach and strong understanding of the broker market. Their ability to provide practical, tailored solutions with efficient turnaround times makes them a reliable and valued partner.
Brendon White
HW Brokers
Our portfolio
PCBS-backed projects across South Africa.
A selection of construction guarantee facilities we’ve structured and stood behind.
Partnerships & credentials
Regulated, rated & strengthened by global partners.
Our licences, ratings and partnerships are available to download. We operate transparently in a fully regulated environment.
GCR Credit Rating Certificate
An independent credit rating confirming financial strength and claims-paying ability
Bryte Insurance Company Ltd
June 2025
S&P Global Credit Rating
The global credit rating for our ultimate holding company, confirming the financial backing behind every PCBS facility
Fairfax Financial Holdings Ltd
June 2025
Mandate Letter
The formal agreement between Bryte Insurance Company Ltd and PCBS Construction & Customs Bonds Services (Pty) Ltd
PCBS / Bryte Insurance
August 2025
B-BBEE Certificate
Broad-Based Black Economic Empowerment compliance certificate confirming our transformation credentials
Fairfax Financial Holdings Ltd
June 2025
Expert insights
We write about the guarantees, bonds & risk topics that matter most.
Ready to secure your next project or contract?
Join the thousands of contractors, brokers and businesses across South Africa and the rest of Sub-Saharan Africa who trust a PCBS Guarantee.
Speak to our team today. We’ll structure a facility around your needs.
